Ascot Bridging Finance

About Ascot Bridging Finance

Launched in 2017, Ascot Bridging Finance is a family-run, privately funded lender operating from Warrington, Cheshire. Over 80% of their business comes from repeat clients or referrals — a figure that says more about how they work than any marketing copy could.

The business operates through four separate legal entities (Ascot Bridging Finance Ltd 1–4), reflecting a structured approach to funding that gives them the capacity to offer a mix of wholesale and private capital. That structure, secured with new backers in 2020, has given the team considerably more lending capacity without compromising their hands-on approach to underwriting.

Kevin Gibson leads the team, and his name appears repeatedly in broker testimonials — often alongside descriptions of cases that other lenders had declined or that required genuine creative thinking. The team takes a property-first approach and is known for looking past issues that rigid criteria would otherwise rule out.

Bridging Loans from Ascot Bridging Finance

Ascot offers first charge unregulated bridging loans from £37,500 to £1 million, with terms from 3 to 18 months and LTVs up to 75%. Rates start from 0.69% per month, which is competitive for a lender operating in this market segment. Loans are available for purchases, refinances and refurbishment projects across England, Wales and Scotland.

Repayment structures are flexible — borrowers can choose bullet payments, monthly interest payments, or retained interest depending on what suits the project. The process from initial summary to completion typically runs through heads of terms, formal application, valuation, and then an on-site visit from an Asset Manager who discusses the project directly with the borrower.

What Can Ascot Bridging Finance?

• Residential investment property purchases and refinances
• Property refurbishment and renovation projects
• Below market value property acquisitions
• HMO conversions and purchases
• Auction purchases
• Development finance for first-time developers

How to Apply with Ascot Bridging Finance

Enquiries start with a summary of the deal — the proposed loan, the security, and the exit strategy. From there, the team issues heads of terms before moving to a full application. Ascot's Asset Managers are directly involved in every loan they fund, so expect a site visit as part of the process. That hands-on approach is a feature, not a complication — it's what allows them to take on cases where context matters.